Legal Auto Insurance

Legal

Terms and conditions apply. This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described and it is not legal or insurance advice. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.

*Rates will not be increased or surcharged if insured submits no more than one claim every five years. Claim Forgiveness does not protect your Disappearing Deductible. Other terms and conditions apply. Coverage, perils, discounts, and availability may vary by region. Certain coverage may be provided only by the provincial government or related agencies. This contains information about coverage offered by Allstate but does not list all of the conditions and exclusions which apply to the coverage described. The wording of the actual policy and local law will govern. For more information on coverage, perils, discounts and availability, please contact your local agency or 1-800-allstate.

**Your Choice Auto includes our Disappearing Deductible feature. If no claims occur during a policy term, the deductible(s) on the qualifying vehicle(s) will automatically be reduced by $100 for a 12 month policy term or $50 for a 6 month policy term (to a minimum of $0) on the next policy renewal.

If a claim does occur during a policy term, all deductibles on the vehicle(s) that incurred the claim will be re-set to their original level(s). Original level(s) means the deductible originally selected and that the vehicle(s) is rated for.
The Disappearing Deductible feature applies to the following deductibles:

  • All Perils Deductible,
  • Collision/Upset Deductible,
  • Comprehensive Deductible,
  • Specified Perils Deductible.

The Disappearing Deductible feature does not apply to motorcycles or recreational vehicles.

Any vehicle to which the Disappearing Deductible feature applies will be identified on the Certificate of Automobile Insurance. Where more than one vehicle is insured under this contract, the Disappearing Deductible feature only applies to the vehicle(s) identified as having this feature.

The applicable deductible(s) and the vehicle(s) to which they apply will be identified on the Certificate of Automobile Insurance.

*** “Minor driving offence" refers to certain minor convictions in the Highway Traffic Act, R.S.O. 1990, c. H.8 . Rates will not be increased or surcharged if insured has no more than one minor Highway Traffic Act conviction every 3 years. Available to customers in Ontario only. Other eligibility requirements, terms and conditions apply.

****Feature is optional. Subject to terms, conditions and availability. Your savings may vary. Savings apply to major coverages only. In order to qualify for both the enrolment and Test Drivewise discounts you must download the app and sign up for the program. If you simply download the app without enrolling, no discount will be applied. However, if you enroll in the program but do not download the app, you will still receive an enrollment discount. You will need a minimum of 5 trips recorded and submitted for validation to qualify. Coverage, perils, discounts and availability may vary by region. Trademark owned by Allstate Insurance Company used under licence by Allstate Insurance Company of Canada. ©2016 Allstate Insurance Company of Canada.